Paralysis and loss of functionality
Neurological investigations such as lumbar puncture, MRI (Magnetic Resonance Imaging) evidence of lesions in the central nervous system, evoked visual responses, and evoked auditory responses are required to confirm diagnosis. The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living . The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
The life assured has suffered or undergone one of the following conditions :
Diplegia
Total and permanent loss of function of both arms or both legs due to injury or disease of the spinal cord.
Hemiplegia
Total and permanent loss of function of one side of the body due to brain injury or disease.
Muscular dystrophy
Loss of independent existence
The unequivocal diagnosis of muscular dystrophy diagnosed by an appropriate medical specialist approved by Sovereign.
The life assured is totally and irreversibly disabled, with the effect that he or she is unable, as a result of sickness or injury, to perform without the physical assistance of someone else at least two of the following activities for himself or herself (if the life assured can perform the activity on his or her own by using special equipment Sovereign will treat the life assured as being able to perform that activity):
The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living . The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Bathing and showering.
Dressing and undressing.
Eating and drinking.
Peripheral neuropathy
Using a toilet.
Irreversible inflammation or degradation of a peripheral nerve, diagnosed by an appropriate specialist approved by Sovereign. The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living . The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Moving from place to place by walking, in a wheelchair, or with a walking aid.
Alternatively, the life assured is unable to perform one of the above and his or her intellectual capacity has reduced or deteriorated to such an extent that the life assured requires full-time care . The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Stroke
Paraplegia
A cerebrovascular event producing neurological deficit. This requires clear evidence on CT, MRI or similar appropriate scan or investigation that a stroke has occurred. This requires evidence of:
Total and permanent loss of function of both legs due to injury or disease of the spinal cord.
Permanent blindness
infarction of brain tissue; or
Irrecoverable loss of sight of both eyes as a result of sickness or injury. This is evidenced by:
intracranial or subarachnoid haemorrhage.
visual acuity on the Snellan Scale after correction by suitable lenses is less than 6/60 or less in both eyes; or
Excluded from this definition are transient ischaemic attacks (TIA), cerebral symptoms due to migraine, cerebral injury from trauma or hypoxia and vascular disease affecting the eye, optic nerve or vestibular functions.
field of vision is reduced to 20 degrees or less of arc in the better eye; or
a combination of visual defects resulting in the same degree of visual impairment as either of the points above.
803 TCP-LAE version 14 Effective 12 May 2026
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